Commercial Trust Company of Fayette in Fayette, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Commercial Trust Company of Fayette in Fayette, Missouri (MO)
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Commercial Trust Company of Fayette routing number info

Commercial Trust Company of Fayette - Overview

  • General
  • FDIC Certificate #: 9791
    Status: Active
    Federal Reserve ID: 709451
    Bank Holding Company (Regulatory Top Holder): Harris Taubman Financial Corporation (RSSDID: 2313049, Location: Fayette, MO)
    Date Established: January 01, 1903
    WWW: http://www.commercialtrust.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 11511
    FDIC's unique #: 6270
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 119 North Main Street, Fayette, MO 65248
    County: Howard
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Columbia Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Columbia, MO (#17860)
    CBSA Metro Statistical Area: Columbia, MO (#17860)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $120.8 mil
    Equity capital: $10.9 mil
    Deposits held in domestic offices: $101.9 mil
    Return on assets (ROA): 0.74% ($0.9 mil)
    Quarterly return on assets: 0.79% ($1.0 mil)
    Return on Equity (ROE): 7.93% ($0.9 mil)
    Quarterly return on equity: 8.76% ($1.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.74% ($894.3 mil)
    Quarterly Pretax return on assets: 0.79% ($954.7 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 26Total employees (full-time equivalent)
  • $120,850Total assets
  • $56,540Cash and due from depository institutions
  • $53,802Interest-bearing balances
  • $5,593Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $56,084Net loans & leases
  • $528Loan loss allowance
  • $0Trading account assets
  • $1,257Bank premises and fixed assets
  • $30Other real estate owned
  • $0Goodwill and other intangibles
  • $120,850Life insurance assets
  • $1,346All other assets
  • $109,919Total liabilities and capital
  • $101,875Total liabilities
  • $89,737Total deposits
  • $101,875Interest-bearing deposits
  • $71Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,000Trading liabilities
  • $0Other borrowed funds
  • $44Subordinated debt
  • $10,931All other liabilities
  • $10,931Total equity capital
  • $10,931Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $260Surplus
  • $10,571Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $21Income earned, not collected on loans
  • $0Earning assets
  • $363Long-term assets (5+ years)
  • $115,479Average Assets, year-to-date
  • $3,481Average Assets, quarterly
  • $115,328Volatile liabilities
  • $120,254Insider loans
  • $52,453FHLB advances
  • $118,834Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,829Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,256Restructured Loans and leases
  • $296Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,812Total interest income
  • $1,234Total interest expense
  • $2,578Net interest income
  • $23Provision for loan and lease losses
  • $551Total noninterest income
  • $58Fiduciary activities
  • $217Service charges on deposit accounts
  • $0Trading account gains & fees
  • $276Additional noninterest income
  • $2,254Total noninterest expense
  • $1,227Salaries and employee benefits
  • $409Premises and equipment expense
  • $618Additional noninterest expense
  • $852Pre-tax net operating income
  • $1Securities gains (losses)
  • $0Applicable income taxes
  • $853Income before extraordinary items
  • $0Extraordinary gains - net
  • $853Net income attributable to bank
  • $0Net charge-offs
  • $853Cash dividends
  • $96Sale, conversion, retirement of capital stock, net
  • $651Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.44%Yield on earning assets
  • 1.11%Cost of funding earning assets
  • 2.33%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 2.03%Noninterest expense to earning assets
  • 0.74%Net operating income to assets
  • 0.74%Return on assets (ROA)
  • 0.74%Pretax return on assets
  • 7.93%Return on equity (ROE)
  • 1.88%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 23.96%Credit loss provision to net charge-offs
  • 9.11%Efficiency ratio
  • 72,036Assets per employee
  • 4.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 76.32%Loss allowance to loans
  • 0.93%Loss allowance to noncurrent loans
  • 2514.29%Noncurrent assets plus other real estate owned to assets
  • 0.04%Noncurrent loans to loans
  • 0.04%Net loans and leases to deposits
  • 55.05%Net loans and leases to core deposits
  • 55.73%Equity capital to assets
  • 9.05%Core capital (leverage) ratio
  • 9.11%Tier 1 risk-based capital ratio
  • 20.65%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $115,328Average earning assets
  • $10,752Average equity
  • $110,880Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $8,147Managed Assets
  • 1Number of Accounts
  • $8,147Personal trust and agency accounts
  • $8,147Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 11Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Missouri Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    06270Commercial Trust Company Of Fayette119 North Main Street, Fayette, MO 65248January 01, 1903Full Service Brick and Mortar
    2444367Commercial Trust Company - Harrisbur180 West Sexton Road, Harrisburg, MO 65256September 07, 2005Full Service Brick and Mortar

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